The accident insurance plan helps cover unexpected expenses that result from all kinds of accidents, even sports-related and within the household. The cash payment can be used any way you deem necessary - to meet out-of-pocket medical costs like copays and deductibles, and non-medical costs like child care.

  • Benefit Overview

    Accident coverage through Guardian pays you a cash benefit to help with your expenses – your deductible or copays, transportation, groceries and more – if you or a covered family member is injured due to an accident. The money is yours to use as you choose.

  • Covered Conditions

    Injuries
    Fractures, Dislocations, Second and Third Degree Burns, Concussions

    Medical Services & Treatment
    Ambulance, Emergency Care, Non-Emergency Care, Physician Follow Up, Therapy, Inpatient Surgery

    Hospital Coverage - Accident
    Admission, Confinement, Inpatient Rehab

    Hospital Coverage - Sickness
    Admission, Confinement

    Accidental Death, Dismemberment, Loss & Paralysis

    Lodging

  • Wellness Benefit

    Every year, each family member who has accident coverage can also receive $100 for getting a health screening or preventive care test, such as:

    • Blood tests
    • Chest X-rays
    • Stress tests
    • Colonoscopies
    • Mammograms
    • Physicals

  • Payroll Deduction

    • Employee: $9.95

    • Employee + Spouse: $14.93

    • Employee + Child(ren): $15.79

    • Family: $20.77

Accident Coverage

Provider: Guardian

Plan ID# 00038705

Phone: 800-627-4200

Website: https://www.guardianlife.com/